Healthcare and human services
Hedge Allied Health and Medical Professional Supplemental
A fillable Hedge supplemental for allied health and medical professional liability risks.
View form and fillable PDF →Class and coverage guide
Employment Practices for Small medical clinics.
Direct answer. Employment Practices Liability is included in Hedge's published target coverage for Small medical clinics under the line EPL, with a published target of $1M. The current public class status is review case by case. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage context
What this coverage question means.
Employment practices liability commonly addresses specified claims involving employment-related wrongful acts such as discrimination, harassment, retaliation, or wrongful termination. Workforce composition, locations, policies, prior matters, wage-and-hour exposure, and requested third-party coverage can materially affect the placement.
Class context. Primary care, family medicine, internal medicine. Surgical referred separately.
Terms depend on the policy and account
This page does not interpret a policy or promise coverage. Actual coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Underwriting facts
What changes the answer.
- Specialty + procedures performed
- Provider count (MD, NP, PA, RN)
- Patient volume
- 5-year claims history
Conditions that need closer review
- Urgent care with imaging
- Pain management / opioid Rx
- Cosmetic procedures (Botox, fillers)
- OB/GYN deliveries (separate market)
- Plastic surgery / liposuction
- Bariatric surgery
Stronger starting profile
Controls and facts to surface.
- Primary care, family medicine
- Procedure-light practices
- 1-10 providers
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 825
Professional and Specialty Insurance Applicant Section
The applicant section used with management, executive, and professional liability coverage sections. It organizes common applicant, ownership, financial, prior insurance, and claims facts before line-specific detail is added.
Read form guide →ACORD 827
Employment Practices Liability Insurance Section
The employment practices liability section used to describe workforce, locations, human-resources controls, layoffs, complaints, claims, and requested EPL coverage.
Read form guide →State detail
Published class-specific state notes.
CA / Review case by case
Small medical clinics in CA
MICRA cap considerations.
Open state appetite →NY / Review case by case
Small medical clinics in NY
Long statute of limitations.
Open state appetite →FL / Review case by case
Small medical clinics in FL
No MICRA cap.
Open state appetite →Next step
Build the account before choosing a route.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.